We are looking at changing to my husband's insurance as well, but he does not have it yet so we don't know everything about the plan.

However, I do know that as others said, date of service is the important part. I would find out about prescription coverage also. My employer changed prescription coverage a while ago, and I had to start authorizations very quickly to ensure no lapse in my medications. You might need to make a lot of phone calls, or order some prescriptions early or in larger amounts before your prescription plan ends.

Another however - I did find that when health insurance changes, sometimes the old health insurance will deny access to their online site. It made my life a lot harder when that happened. There were two health insurances, and one stopped, the other started, then we had to go back to the old one. The old one never cut our online access, but the second one cut out online access after we went back to the old insurance, and we could not access anything including claim information electronically.

I would therefore suggest if you use online access to your plan which will end, you get as many claims and EOBs printed out to pdfs and keep them locally, just in case you lose online access. That is what we plan to do when my insurance plan will be ending.

I paid thousands of dollars for radiation because I unfortunately had it over last winter when my insurance out of pocket reset. But then, starting February I had free health care for the rest of 2017 because I had met the out of pocket limit. I was soooo thankful for the out of pocket cap--it was a lot of money but could have been worse. I think the hospital billed something like $65 grand when all was said and done.